Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $6,082Fees | 0.600%Above | 65 | |
2 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $280Fees | 0.295%Below | 35 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,987Fees | 0.485%Above | 319 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,495Fees | 0.408%Above | 49 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $494Fees | 0.417%Below | 16 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,637Fees | 0.576%Above | 184 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,004Fees | 0.641%Above | 109 | |
8 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,031Fees | 0.408%Above | 85 | |
9 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,188Fees | 0.072%Below | 13 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,860Fees | 0.571%Above | 237 | |
11 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,199Fees | 0.840%Above | 142 | |
12 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,195Fees | 0.885%Above | 76 | |
13 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,592Fees | 0.554%Above | 106 | |
14 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,575Fees | 0.649%Above | 71 | |
15 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,587Fees | 0.772%Above | 73 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.